Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
i sent a PPI letter to Lloyds in may and today received a statement of the loan ( started in 2007 ) along with a agreement form showing my signature on the agreement part and alson the insurance box BUT the small box above my name IS NOT ticked , the statement shows PPI being added onto my origianal loan of £2000 to the tune of £825 on the same day
i sent a PPI letter to Lloyds in may and today received a statement of the loan ( started in 2007 ) along with a agreement form showing my signature on the agreement part and alson the insurance box BUT the small box above my name IS NOT ticked , the statement shows PPI being added onto my origianal loan of £2000 to the tune of £825 on the same day
any advice on how to go back at Lloyds ?
My understanding is that you have already sent a letter claiming the PPI was mis-sold ! is this correct ?
How was the loan entered into ? by phone, online or in a branch ?
The lack of a tick in the box is a positive especially as it is on the Consumer Credit Agreement supplied by them.
Does the agreement or the statement show separate figures for the Loan amount and the PPI amount and if so does the agreement/statement show the monthly repayment figures as separate amounts?
What are your reasons for claiming mis-selling.?
The more info you post up the better as it gives a better idea to caggers on the circumstances and how best to advise.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
the statement they sent shows the £2000 loan and next line shows £ 824 in PPI insurance , then the statement goes onto show what date my monthly payments were taken and the amount of interest each month
my reasons for mis selling is a) i ws never advised about the insurance ( it was done in the branch )
b) that period i was in between jobs so not in regular employment
c) since ive learned PPI does not cover back problems or stress , 2 things highly likely if was to ever have to claim
I will look into this in more depth later today. I will have some more questions for you as well on your latest post.
Hello to the 14 guests currently watching this thread.
ooops make that 4 ten have disappeared
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
i sent a letter today highlighting the points above , stating the box was clearly not ticked plus never fully informed of what was included in the insurance and how it affected my positon
Lloyds did this to me - added PPI when I specifically said no - although in my case the box seems to have been ticked. They backed down at the initial fos stage - waiting to see what they pay me npw
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
Hi Steve sorry for the delay - my situation is a bit different from yours in that the box was ticked. Until you get your reply I am not sure what else I can add
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
i guess all Lloyds tsb will keep on saying is at the time of purchsaing etc the advisor would have given all advice blaa blaa blaa , in a situation of my word against theirs what chance would i have !!!
Thats basically all any of us have had back and its always your word against theirs - In my case they conveniently ignored some stuff that was essentially me pointing out some notes on my record that were completely untrue they did not address the lying of their employee at all
If they do that to you as soon as you have your Full and final get in touch with the fos - they capitulated straight away when I did that. Its frustrating but they took that money off you when they shouldn't have you deserve to get it back and they normally offer compensation as well
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: Lloyds TSB ppi response
Originally Posted by steve76
how many times are they permitted to keep saying the investigation is taking longer than thought ?
seems to me all Lloyds want to do is dealy decisions until maybe you forget
Hi Steve
Tell me about it - we have been trying to get a response from LTSB regarding PPI on several accounts for some months now and have finally had to pass it all to the fos as LTSB are either unwilling (most likely) or unable to help.
In one instance we have had to resend our paperwork five times because they refused to recognise their own account numbers
Good luck and keep at them!
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Unfortunately I fell into the trap of believing they meant what they said when they first tried that one on me. On two of our accounts they did eventually provide a Final Response, but it took them 4 months and then the answer was in the negative.
After 8 weeks you are within your rights to take it to the fos, but if you haven't received a Final Response I believe the first thing the FOS will do is press them for one.
You would think that the intervention of the FOS would make LTSB sit up and take notice, but no - in one case we had (the one where they returned our paperwork several times as it happens) the FOS wrote to LTSB and told them they had to deal with our complaint. LTSB told us they were now acting on the instructions of the FOS, then proceeded to send back our paperwork again, then complain they didn't have it, then say they needed longer to investigate
I really don't know what to suggest with LTSB - they really do try to wear down your resistance - which is obviously their main intention.
I guess my advice would be that if the 8 weeks is up, file a complaint with the FOS - at least that way LTSB can see you mean business and the pressure is taken off you somewhat while the FOS do their stuff. Be prepared for a long wait though - the FOS are snowed under with similar complaints!
All the best,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Lloyds TSB ppi response
letter to Lloyds
Reply With Quote
Originally Posted by steve76
)